5 carriers raised and 2 carriers cut Louisiana homeowners rates in 2026. Homeowners rate hikes hit at renewal — the fastest way to stop overpaying is to compare carriers for your ZIP.
The filed average is not your rate. A single statewide filing can move different ZIPs by wildly different amounts. Here, the biggest single-territory increase we found was +125.3% (Allstate, on a +3.8% filed average). The “By ZIP” column shows each filing’s range — check your ZIP to see where you land.
Carriers that raised Louisiana home rates in 2026
| Carrier | Filed avg | By ZIP | Effective | Source |
|---|---|---|---|---|
| Louisiana Farm Bureau Louisiana Farm Bureau Casualty Insurance Company | +14.8% wanted +17.76% | +17.76% to +14.75% | Oct 1, 2025 | SERFF #SFBC-134582157 ↗ |
| State Farm State Farm Fire and Casualty Company | +9.7% | — | Oct 15, 2025 | SERFF #SFMA-134661164 ↗ |
| Allstate Allstate Insurance Company | +1.6% | +4% to +0.1% | Dec 4, 2025 | SERFF #ALSE-134677440 ↗ |
| Allstate Allstate Vehicle and Property Insurance Company | +3.8% | +125.3% to −24.2% ▲ wide | Jan 29, 2026 | SERFF #ALSE-134740068 ↗ |
| USAA USAA / Garrison P&C (filing-level) | +9.2% | +44.7% to −38.8% ▲ wide | Mar 15, 2026 | SERFF #USAA-134777840 ↗ |
Carriers that cut Louisiana home rates in 2026
| Carrier | Filed avg | By ZIP | Effective | Source |
|---|---|---|---|---|
| Allied Trust Allied Trust Insurance Company | −2.3% | +29.7% to −25.7% ▲ wide | Dec 20, 2025 | SERFF #ALTR-134663183 ↗ |
| Hanover The Hanover Insurance Company | −1.8% wanted +0.6% | +19.2% to −27% ▲ wide | Apr 1, 2026 | SERFF #HNVR-G134780663 ↗ |
Are you actually getting the new rate?
Approved changes are statewide averages, and they reach your policy at renewal. A cut often reaches new buyers first; a hike lands on your next renewal notice. Re-shopping is the only way to know you’re on the best current price for your home.
Figures are filed/approved statewide-average changes from each state’s Department of Insurance (CA via CDI, TX via data.texas.gov, others via SERFF). Individual rates vary by home, roof age, and risk. Each filing links to its source. Not a quote.